what now?


M

martin

I don't know where to start with this. I have a job I can start, through,
pertemps, next week. It is a bus journey a way and has a dress code i need
to shop for. I signed off today (which alone isnt enough to cover the period
till i get paid which is a fortnight) only to find that, because of a month
long sanction, not only am i not eligible for any type of financial
assistance starting a job that I also have to fill in a 'review form' to
determine whether i can claim the money i am signing off for (ie ther period
till i start work). Given how understaffed the jobcentre are and how long
its going to take to send and return the form there is little garauntee that
i will see a payment before the weekend which will be too late.

As this amount of money isnt enough to pay a fortnight's bus travel, living
expenses and some clothes for the job and as I cannot get any assistance
(which includes budgeting loans) there is no way i can start this or any
other job unless i am lucky enough to find one locally.

Now I can accept being sanctioned (and i will not be drawn into a discussion
of whether i 'should' have done things or not) but to have that sanction not
only affect payments - fine - but make it impossible for me to claim
assistance in actually starting a job is crazy.

So what now? Lottery ticket i guess.
 
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Z

Zoe Brown

I don't know where to start with this. I have a job I can start, through,
pertemps, next week. It is a bus journey a way and has a dress code i need
to shop for. I signed off today (which alone isnt enough to cover the period
till i get paid which is a fortnight) only to find that, because of a month
long sanction, not only am i not eligible for any type of financial
assistance starting a job that I also have to fill in a 'review form' to
determine whether i can claim the money i am signing off for (ie ther period
till i start work). Given how understaffed the jobcentre are and how long
its going to take to send and return the form there is little garauntee that
i will see a payment before the weekend which will be too late.

As this amount of money isnt enough to pay a fortnight's bus travel, living
expenses and some clothes for the job and as I cannot get any assistance
(which includes budgeting loans) there is no way i can start this or any
other job unless i am lucky enough to find one locally.

Now I can accept being sanctioned (and i will not be drawn into a discussion
of whether i 'should' have done things or not) but to have that sanction not
only affect payments - fine - but make it impossible for me to claim
assistance in actually starting a job is crazy.

So what now? Lottery ticket i guess.
It it possible to arrange a small bank loan ? How much money do you think
you need, how much do you have ? Are you able to borrow the clothes that you
need ? Why can you not apply for a budgeting loan ?
 
M

martin

It it possible to arrange a small bank loan ? How much money do you think
you need, how much do you have ? Are you able to borrow the clothes that you
need ? Why can you not apply for a budgeting loan ?
I cannot get any financial assistance from the jobcentre/dwp that includes
budgeting loans. Even if i could i have been told by the social security
office itself that budgeting loans arent paid to people who arent claiming
benefit.

I need 150 to start the job and no banks cannot help nor can i borrow the
clothes from someone.

It is a deeply flawed system.
 
Z

Zoe Brown

martin said:
I cannot get any financial assistance from the jobcentre/dwp that includes
budgeting loans. Even if i could i have been told by the social security
office itself that budgeting loans arent paid to people who arent claiming
benefit.

I need 150 to start the job and no banks cannot help nor can i borrow the
clothes from someone.

It is a deeply flawed system.
What system is flawed ?

Which banks have you asked. Can you detail exctly what the £150 is for ?
When is your first pay day ?
 
R

Robbie

From: "martin" (e-mail address removed)
Date: 01/03/04 12:43 GMT Standard Time

I cannot get any financial assistance from the jobcentre/dwp that includes
budgeting loans. Even if i could i have been told by the social security
office itself that budgeting loans arent paid to people who arent claiming
benefit.

I need 150 to start the job and no banks cannot help nor can i borrow the
clothes from someone.

It is a deeply flawed system.
No, tyhe system is not flawed. The problem is that you have put yourself in a
position where you are unable to apply for a budgetinh loan as your benefit has
been stopped.

What I do find unbelievable is that you live at home with your parents but that
they will not help you out in any shape or form (according to an earlier post
you made). If this is the case still then why are they happy to leave you in a
position of living on the fringes of society and in poverty?

Do you have nothing you can sell to raise short-term funds? I notice you've
sold things over the internet before. Don't you have that option available to
you at this moment in time?

Your in catch 22 here and you need someone to help you out in the short term. I
doubt a bank would lend the money - mine certainly wouldn't, but then if I was
desperate for money, if all else failed I have relatives to fall back on.

Whatever happens, good luck and hope you get to start the job.

Robbie
 
P

Paul Bolton

You can always apply for a crisis loan. Whether you will get one is another
matter, but anyone can apply, although your health and safety must be at
risk in some way through lack of money.
 
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R

Robbie

From: "Paul Bolton" (e-mail address removed)
Date: 01/03/04 14:11 GMT Standard Time
Message-id: <[email protected]>

You can always apply for a crisis loan. Whether you will get one is another
matter, but anyone can apply, although your health and safety must be at
risk in some way through lack of money.
More than likely will not qualify as he lives at home with parents, though
there's nothing to stop him from applying.

I forget what impact benefit sanctions have on crisis loan applications, I
think it complicates things further as usually you can't even apply for a
hardship payment for the first two weeks after a sanction is applied.

Martin was told to apply for a budgeting loan some time back and told not to
wait until the last minute to avoid this very scenario. He could have put the
money to one side until needed, but it's too late now.

Robbie
 
L

leslie

I don't know where to start with this. I have a job I can start, through,
pertemps, next week. It is a bus journey a way and has a dress code i need
to shop for. I signed off today (which alone isnt enough to cover the period
till i get paid which is a fortnight) only to find that, because of a month
long sanction, not only am i not eligible for any type of financial
assistance starting a job that I also have to fill in a 'review form' to
determine whether i can claim the money i am signing off for (ie ther period
till i start work). Given how understaffed the jobcentre are and how long
its going to take to send and return the form there is little garauntee that
i will see a payment before the weekend which will be too late.

As this amount of money isnt enough to pay a fortnight's bus travel, living
expenses and some clothes for the job and as I cannot get any assistance
(which includes budgeting loans) there is no way i can start this or any
other job unless i am lucky enough to find one locally.

Now I can accept being sanctioned (and i will not be drawn into a discussion
of whether i 'should' have done things or not) but to have that sanction not
only affect payments - fine - but make it impossible for me to claim
assistance in actually starting a job is crazy.

So what now? Lottery ticket i guess.
So you could afford a lottery ticket then?, instead of
buying a lottery ticket go along to your nearest Oxfam
or cheap clothes shop, you will be able to dress yourself
for less than a fiver. Surely mummy and daddy can LOAN
you a fiver?.

Get off ya backside and get it sorted lad, stop whinning,
there are people on benefits in real genuine need, you are
just a prat, now get on with it.
 
M

martin

What system is flawed ?The benefits system designed to help people back into work.
Which banks have you asked.
I asked the bank I have an account with.
Can you detail exctly what the £150 is for ?
I have already answered this.
When is your first pay day ?
two weeks after I start.
 
M

martin

No, tyhe system is not flawed. The problem is that you have put yourself
in a
position where you are unable to apply for a budgetinh loan as your benefit has
been stopped.
I put myself into that position because I have £3 to live on until that
money comes through, thus the sooner the better.
What I do find unbelievable is that you live at home with your parents but that
they will not help you out in any shape or form (according to an earlier post
you made). If this is the case still then why are they happy to leave you in a
position of living on the fringes of society and in poverty?
My parents do not have the money to spare and I would only ask them as a
last resort anyway after all other avenues have been explored.
Do you have nothing you can sell to raise short-term funds?
Nothing that I could sell and could sell as to make any money.
I notice you've
sold things over the internet before. Don't you have that option available to
you at this moment in time?
No.
 
M

martin

So you could afford a lottery ticket then?, instead of
buying a lottery ticket go along to your nearest Oxfam
or cheap clothes shop, you will be able to dress yourself
for less than a fiver. Surely mummy and daddy can LOAN
you a fiver?.
I'll bite.

I was being sarcastic in regard to the lottery ticket. The clothes don't
count for the entirety of the situation - assuming that, if amd when i can
get to a local charity shop, they have enough suitable clothing to buy (i
used to work for oxfam and i can tell you that its easier to say than it is
to find somthing suitable amongst the rubbish some people donate).
Get off ya backside and get it sorted lad, stop whinning,
there are people on benefits in real genuine need, you are
just a prat, now get on with it.
thats the spirit.
 
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L

leslie

I'll bite.

I was being sarcastic in regard to the lottery ticket. The clothes don't
count for the entirety of the situation - assuming that, if amd when i can
get to a local charity shop, they have enough suitable clothing to buy (i
used to work for oxfam and i can tell you that its easier to say than it is
to find somthing suitable amongst the rubbish some people donate).
Rubbish, you will find something suitable to wear, be honest now
you are just not interested are you?. It's excuse, excuse after
excuse, now how about telling us something positive, something
YOU can do for yourself, hmmm.....

If you cannot solve this petty problem then you are going to find
the rest of your life very very hard.

thats the spirit.
Then do it lad.
 
L

leslie

I put myself into that position because I have £3 to live on until that
money comes through, thus the sooner the better.

My parents do not have the money to spare and I would only ask them as a
last resort anyway after all other avenues have been explored.


Nothing that I could sell and could sell as to make any money.
Really??. What about the computer you are using to access the net?,
why not just sell the monitor cheaply for a quick sell, once you
are settled in your new job you can save up and buy another.

Do I sense another excuse comming....

OK, let me guess, the computer and or monitor isnt yours to sell..

Gee.....
 
T

terryw

Warning

Do not feed the troll. You are wasting your time.

Terry w"
 
J

Jules

martin said:
I don't know where to start with this. I have a job I can start, through,
pertemps, next week. It is a bus journey a way and has a dress code i need
to shop for. I signed off today (which alone isnt enough to cover the period
till i get paid which is a fortnight) only to find that, because of a month
long sanction, not only am i not eligible for any type of financial
assistance starting a job that I also have to fill in a 'review form' to
determine whether i can claim the money i am signing off for (ie ther period
till i start work). Given how understaffed the jobcentre are and how long
its going to take to send and return the form there is little garauntee that
i will see a payment before the weekend which will be too late.

As this amount of money isnt enough to pay a fortnight's bus travel, living
expenses and some clothes for the job and as I cannot get any assistance
(which includes budgeting loans) there is no way i can start this or any
other job unless i am lucky enough to find one locally.

Now I can accept being sanctioned (and i will not be drawn into a discussion
of whether i 'should' have done things or not) but to have that sanction not
only affect payments - fine - but make it impossible for me to claim
assistance in actually starting a job is crazy.

So what now? Lottery ticket i guess.
Martin

If the job starts next week why have you signed off today. You would
normally be entitled to JSA up to the day before your job starts. However
this complicated by your sanction. You aren't entitled to a Budget loan as
you have signed off (I think i mentioned some time ago you had to still be
in receipt of the benefit.) A crisis loan could be paid until the wage is
due but I believe previously you were reluctant to ask any employer to
provide a letter confirming the date your wages were paid. The sanction
complicates the situation for Crisis Loans as well as they can't be paid at
the start of the sanction unless its for heating. This is because a sanction
is a punishment for not following some rule (don't know what and you don't
wish to discuss - fair enough) if a Crisis Loan was paid then this would
negate the punishment and there would be no point in sanctioning benefit (I
may not agree with this but its the way it is). Always worth applying and
going through the review process if unsuccessful.
Some Personal Advisors have a discretion fund which could pay for travelling
expenses/clothes, basically any barrier to work. It would depend on your
circumstances. Do you have a Personal Advisor?
If you are in a special area there may be an "Action Team" who also have
money to remove barriers to work, ask at the JC.
I would advise you to get to the office that deals with the hardship
payments and put your application in as soon as possible. Not sure what the
review form is that you've handed in, is it an appeal? Push for this to be
dealt with asap.
 
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M

martin

What would you change ?

If someone can prove they have a job due to start then I would gladly give
them some form of grant to get them started (if necessary). No loans, no
nonsense, just a goodwill grant to help people achieve what both parties
want.
You can try other accounts and credit cards.
One bank will be the same as another, I am not going to open an account with
every bank just to waste my time. I already have an account and I have
explored the options available to me as regards getting a small loan. I
don't qualify for an overdraft or a credit card - and i dont want a credit
card either.
 
M

martin

Really??. What about the computer you are using to access the net?,

This computer isnt worth selling it has been tampered with so much and was
second hand (and thus very cheap) to begin with; what i would be able to
seriously get for it wouldn't cover my travel expenses - and that assumes i
have a means to sell and a buyer. I don't live next door to cash converters
after all.
why not just sell the monitor cheaply for a quick sell, once you
are settled in your new job you can save up and buy another.

see above.
Do I sense another excuse comming....
i dont know, do you?
 
M

martin

Rubbish, you will find something suitable to wear, be honest now
you are just not interested are you?.
How will finding clothes to wear get me to work?
It's excuse, excuse after
excuse, now how about telling us something positive, something
YOU can do for yourself, hmmm.....
What are you talking about?
If you cannot solve this petty problem then you are going to find
the rest of your life very very hard.
What does that mean? Did you post simply to criticise me? What does that
achieve?
 
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M

martin

If the job starts next week why have you signed off today. You would
normally be entitled to JSA up to the day before your job starts.
I have claimed up till that day, i have signed off early so as to get that
money in time. this will now not be the case.
However
this complicated by your sanction.
which it shouldnt be since the sanction period ended prior to the dates i am
claiming for thorugh signing off.
You aren't entitled to a Budget loan as
you have signed off (I think i mentioned some time ago you had to still be
in receipt of the benefit.)
that plus the fact i am already paying one back which i have had to spend in
order to survie the sanction.
A crisis loan could be paid until the wage is
due but I believe previously you were reluctant to ask any employer to
provide a letter confirming the date your wages were paid.
I have asked them for a letter. I am reluctant to ask for an advance for the
simple reason that i wont get one (fact). That and its poor reflection on me
as a potential employee.
(don't know what and you don't
wish to discuss - fair enough)
im not going to be drawn into trying to justify a sanction. i know the
situation and i have lived with it for the past month. it is now over and as
far as i am concerned so should its effects.
Some Personal Advisors have a discretion fund which could pay for travelling
expenses/clothes, basically any barrier to work. It would depend on your
circumstances. Do you have a Personal Advisor?
no.

If you are in a special area there may be an "Action Team" who also have
money to remove barriers to work, ask at the JC.
i have been told by 3 people at the jobcentre that there is nothing the jc
can do. they may all be wrong but i doubt it and i am not going to
continually waste time dealing with them.
I would advise you to get to the office that deals with the hardship
payments and put your application in as soon as possible. Not sure what the
review form is that you've handed in, is it an appeal? Push for this to be
dealt with asap.
the review form is apparently a routine form that determines whetheter i am
still eligible for payments. the jc think it is a mere formality but dont
bother to actually tell anyone that they need to fill in such a form until
they themselves bring it up. had i not enquired about signing off i would
never have know about such a thing until it was too late (ie until my money
hadnt arrived because of it). i signed on last thursday (last day of the
sanction also) and nothing was said even though i enquired about helpo
getting to work then as well. they have my address and phone number and
still dont bother to tell me i have to complete a form until i happen to get
in contact with them about something else. thats just poor.
 

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